Hi, I'm Laura!

Credit coach and owner of Credit Dusters, Inc, Laura's propelled thousands of people towards fabulous credit since 2007. Laura's passionate about seeing people reach their financial goals and dream bigger than they previously thought possible. Credit Dusters is the go-to agency for many lenders and realtors, including companies such as Century Mortgage, BB&T Bank, Fifth Third Bank, Republic Bank, Keller Williams Realty, Remax Realty, and more!

It is Laura's mission to help 100,000 families improve their financial position and become homeowners.

Leave Overwhelm Behind

Focus: Savings

You want to make sure you have savings in place so you don't get derailed while going through the process of repairing your credit.

Where you are: In this phase, you may have little to no options for financing. High car insurance rates, higher rates on cell phone bills, large deposits required for utilities, telecom and rent.

This is the most frustrating time because you are anxious to get your credit repaired and time is of the essence! You clearly have a dream, goal or vision of something better, but it feels so far away. Savings is the best place to start and we are going to help you through this step so you can get on to building your credit, your next stage.  

Gain Clarity on Building Your Credit

Focus: Building Credit

To have a good credit score, you must have established credit in place. We will help you find the best resources for getting your own credit card and credit builder installment loan (if needed) so you can get your scores moving fast!

Where you are: Here you have very few options for financing. No one will even give you a credit card! We'll get you past this road block and on to paying consistently on all bills so you can reach the next level.

Feel In Control of Your Finances

Focus: Paying on Time

Most lenders want to see you with no late payments for one year. If you have them in the past year - don't worry! This will give us time to work on getting negative accounts removed. But focus on paying on time moving forward.

Where you are: With late payments in the recent past, your options are greatly hindered. You are considered a high credit risk to banks and lenders because of the late reportings. You may be able to buy a car but your interest rate will be extremely high, which means your payment is crazy!

During this stage you may have options such as:

* credit card offers in the mail from banks that solicit business from consumers with lower credit scores.

* limited leasing options on apartments

* high interest auto loans

In most cases it may still be difficult to get approved for a home loan, but as we work through this stage you are getting closer to pre-approval!

See Your Credit Scores Soar

Focus: Credit Card Balances

Your credit card balances are tied directly to your credit scores. If you have high balances your scores will be low. Paying those balances down means your scores go up.

Where you are: If you have high credit card balances, you notice your scores keep dropping. This puts you in a credit risk category. You may be able to get financing on a home or a vehicle, but your interest rate may still be high.

If your credit card balances are paid down, this stage is so exciting! You may get a pre-approval on your own home, or be close to doing so, or a car lot says yes to that new car you have been wanting. But you don’t yet have confidence that you can do what you want when you want to financially. You know you still have some things to clean up and work through, but there is light at the end of the tunnel!

Get Excited About Financial Freedom

Focus: Debt Settlement

Once we have been disputing your negative accounts for awhile, and you have achieved your other milestones, it's time to get rid of your remaining collections.

Where you are: Here you have more options because your credit history is looking better, your credit card balances have improved your scores. However, lenders may want you to take care of your outstanding collections before extending you credit or giving you the better rates.

Your credit scores aren’t bad, and new choices and options are opening up around you. But you are still not eligible for the best rates. Here you feel excited because you are so close to having great credit!

Start Dreaming For the Future

Focus: Interest Reduction

Your credit scores are now on their way to being over 720 and you have unlimited options for financing. Your interest rates have been reduced to the lowest possible on the market. You are ready to invest and grow.

Where you are: This is when finances and credit gets fun. You may still have some medical debt to pay off, but otherwise, you have paid off your collections and credit card debt and you have so many options for financing!

In this stage, the sky is the limit! As long as you have the income to support your dreams, you will be able to walk into any bank and have an open door for your next project!

Once you get to this stage you know you NEVER want to go back again. You may feel very overprotective of your score and hyper-focused on maintaining your score and making it even better in the days to come!